Business Loan Rates and Small Business Growth

Americans know that friendly business loan rates and small business growth are essential to the growth of the economy, and new business owners have many avenues for creating a successful start-up. Recent investigations by the Small Business Administration, which offers SBA loans to small businesses around the country, suggests that small businesses account for over half of all the sales made in the United States each year. Even more importantly, small businesses provide employment for over half the jobs in the country, as well as a significant number of all new jobs created in the country since the 1970s.When a bank determines what business loan rates it will offer a client, one of the primary characteristics investigated is the history of the borrower. For new business owners or anyone looking to create a start-up, getting a great rate on commercial real estate loans is often dependent upon business history, which might not exist for some new business owners. In such cases, the only way to get low rates or even get a loan in the first place is when the business owner puts up his or her own collateral or uses his or her credit history to secure the loan.This reliance upon an individual’s credit for new business loans is why it’s important to have all of one’s financial “ducks” in a row before applying for an SBA loan or any loan connected with a new business. Business loan rates fluctuate just like the economy, and one of the primary indications of whether a bank will loan an individual money is whether the business will be able to survive the expected fluctuations of the economy. A few months or even a few quarters of poor sales shouldn’t mean a new business needs to shut its doors. Some type of emergency reserve, collateral, or savings is an essential buffer for any business.Sometimes it’s best to think of commercial real estate loans in the same way a borrower might approach a traditional mortgage. Securing a low mortgage rate means coming to the table with great credit. The same might be said for commercial loans. Business loan rates that are low are awarded when an applicant or business has good credit. However, new business owners must also consider a variety of other issues that will come under investigation by the bank such as cash flow and the industry in which a business will operate. Due to these additional factors, a borrower might need to go beyond a standard mortgage rate calculator to one with additional variables.It might seem like an impossible feat to convince a bank of the creditworthiness of an individual who has never owned a business before; however, some options exist for ensuring a new application is granted the lowest possible business loan rates. For example, a new business owner may provide past examples of business success, even if the owner wasn’t at the head of a company during those successes. Perhaps a business owner once worked in the financial department of his or her last company and was able to save the company thousands of dollars with innovative ideas.According to the Small Business Administration, small businesses occupy somewhere between 20 to 34 billion square feet of commercial space in the United States. Keeping that number on an upward trend is essential for America, and small business loans, as well as commercial real estate loans, help keep the country growing in a post-recession environment. Business owners who make smart decisions about credit and arrive at a bank with the best possible application will ensure the business opens its doors with the best possible financial future. Entrepreneurs should investigate business loan rates and help make sure the economy continues to grow through new small businesses and valuable jobs.

Health Care Information Exchange

Health information exchange describes the process of mobilizing health information through electronic means across various concerned organizations within a given hospital system, community or region. This process involves moving clinical information through different health care information systems while ensuring that the integrity and meaning of the information is maintained exactly as it was in its original state. The smooth and seamless exchange of clinical data and information is critical for delivering high quality health care information.Why it’s Important and How the Government is Promoting ItHealth information exchange describes the process of mobilizing health information through electronic means across various concerned organizations within a given hospital system, community or region. This process involves moving clinical information through different information systems while ensuring that the integrity and meaning of the information is maintained exactly as it was in its original state. The smooth and seamless exchange of clinical data and information is critical for delivering high quality care. Thus it also plays a major role in determining the effectiveness of organizations.Although the advantages of efficient sharing of health care information among concerned parties, including patients and physicians and other authorized members are understood and desired by most people who are involved in health care system, very few organizations have actually gone ahead and taken full advantage of the technological progress made in the area of health informatics and computer science. Health care information exchange involves various technology based systems like interoperability, business information systems, standards utilization, and harmonization. All of these need to be established on local, state and national level to provide a seamless network of information.According to David Blumenthal, National Coordinator for Health Information Technology, if a standardized system of electronic health records can be put into widespread use it can lead to highly improved levels of efficiency and patient safety, and significantly better quality.An efficient information system has got several benefits to offer to all parties involved in the field of health care whether they are service providers or consumers. It allows health care professionals to conveniently access and retrieves relevant and complete medical data which helps them in providing patient-centered care that is more efficient, effective and timely. A well established health related information exchange system would also provide public health officials with a ready and in-depth database of public information which they can reliably use in analyzing health of the population effectively.

Digital Photo Tips – The World of Digital Photography

Photography has definitely taken its leap together with the uprising developments that have been embarked by technology. In the purest sense, it has changed the art that was once only developed in film and is only open to those willing to invest in a camera. Now, pictures may be taken digitally through Digital Cameras, Digital SLRs, and even camera phones. Camera phones have really been taking it off, as you can actually expect them to reach image resolution as high as 5 megapixels; and as early as now, they are starting to develop the 7MP model. It is no surprise that the largest camera produce is actually Nokia, a cell phone company! But with the effect technological revolution, has the art of photography deteriorated?Since before it was done with the use of film, photographers would literally take their time to study and get their shot right. They would make sure their settings were correct and their composition would be as perfect as they would picture it in their heads. But with the capability of digital photography, people would just have the tendency to click away. If the photographer does not like the shot, he can simply erase and take another one. This is not a bad thing as it is very convenient and cost beneficial. But as many purists would say, this actually killed the discipline in most photographers. What then should aspiring photographers do to harness that same amount of discipline to develop great skills in photography, while still taking advantage of the technology available?There are two basic steps which any photographer may choose to opt for to build both discipline and skill in photography. The first is through the use of memory cards that are very small in memory. This would mean the photographer would have limited exposures only. Yes, that would mean no cheating. What this does is that since you would only have maybe 12 exposures instead of 250, you would be most likely to try and think about the shot you will be taking. There would be no room for settling for the best shot of the same picture; but rather, taking the single shot that would rank as best for each picture.The second principle would be by using tripods. How could this help in one’s disciple building? Tripods would make you set up and look around in order to take a target shot. This would somehow slow you down in terms clicking away. That is the exact idea! You see, you shouldn’t just click away like some shutter happy person. When the camera is secured on top of a tripod, you would have no choice but to set up and carefully view the surroundings prior to looking through the view finder. These are but two simple ideas. As said, the idea is to slow you down and make you think about your shots before you take them. Yes, you would still be taking advantage of technology as you can view your shots right away and know if you did well or no. This would also mean that you would easily know what you did wrong and enable you to discover what would work for you. Technology is not a bad thing. In fact, it helps photographers a lot! Just make sure you still keep that same discipline that has led to the capturing of great photos!